Central Bank of India Credit Cards

Central Bank of India does not directly issue its own credit card book. The single consumer card in the PerkPilot corpus under its brand — the Central Bank of India SBI Card PRIME — is a partnership product issued and serviced by SBI Card against the standard SBI Prime feature set, with Central Bank of India branding layered on for relationship customers. The bank's retail focus sits on deposits, lending and public-sector banking services rather than on credit-card origination.

The status that matters more than the features is availability. The SBI Card product page for this partnership discloses that issuance of the Central Bank of India SBI Card PRIME was discontinued effective 2025-07-26 — no new applicants can apply for the partnership-branded card, and the air-accident insurance cover on existing plastic was further discontinued effective 2025-08-11 per the same disclosure. The card record is retained on PerkPilot as a reference for existing Central Bank cardholders still holding the plastic through its remaining validity, not as a current shopping option.

For a new applicant looking at Central Bank of India's co-brand proposition in 2026, the practical substitute is the standalone SBI Prime Credit Card (₹2,999 joining, same 5×/10× accelerator structure, same 8-domestic-plus-4-international lounge allowance, same Pizza Hut quarterly milestone). Fee structure, reward earn rates, welcome voucher and milestone bonuses all carry over on the standalone product. The only difference is the card artwork and the relationship-banking association with Central Bank of India — neither of which affects the reward math or benefit package.

For anyone using this page to evaluate whether to retain the discontinued partnership card versus pay the renewal fee, the economics are unchanged from the SBI Prime baseline: effective rate of ~2.5% on dining, grocery, entertainment and department-store spends (5× points × ₹0.25 redemption value), 5% effective on utility standing instructions (10× × ₹0.25), 0.5% base on everything else. Quarterly ₹1,000 Pizza Hut voucher at ₹50,000 quarterly spend and annual ₹7,000 Yatra or Pantaloons voucher at ₹5 lakh annual spend keep the milestone structure alive until the next renewal cycle.